Notifying MID of a change of vehicle(s)
This section has been designed to help our Motor Trade policyholders to comply with the requirements of the Motor Insurance Database (MID) and so fulfil their obligations under the terms of the Fourth EU Motor Insurance Directive and the associated UK legislation.
For all Motor Trade products where Ageas Insurance hold full vehicle details, we are required by law to submit all vehicle insurance details to the MID within 14 days of the effective date.
In order to meet these regulations we require all brokers and Motor Trade policyholders to submit policy information to us ideally within 24 hours, but no later than 5 calendar days after the effective date of any renewal, new business, or policy change.
Log in to supply your vehicle data
To send your data please enter your Username and Password here then follow the instructions for making vehicle amendments.
If you are unable to access the site or require any assistance while using it please contact your Insurance Agent.
Britain has one of the worst uninsured driving problems in Europe. It is currently estimated that there are over 1 million vehicles circulating in the United Kingdom at any one time without proper insurance - that equates to approximately 1 in 20 vehicles.
In 1999 the number of convictions for uninsured driving in England, Scotland and Wales alone was 274,000 - in over 60% of these cases the guilty party is fined, the fine often being less than the premium itself.
Victims of accidents caused by uninsured drivers still need to be compensated and the Motor Insurers’ Bureau ensures that this is done for the innocent party.
The costs of these claims are passed back to insurance companies and then to their policyholders as higher premiums.
Uninsured and under-insured drivers cost the honest policyholder in excess of £600 million per year and that figure is growing sharply. That means that every insured driver pays between £15 and £30 per year extra to fund those who do not take out insurance.
The Motor Insurance Database (MID) has been established by the insurance industry to combat this crime, and to help the UK comply with the 4th EU Motor Insurance Directive. This requires that insurance details of all vehicles in member states can be easily accessed by a national information centre, which in the UK is carried out by the MIB (Motor Insurers' Bureau).
The development and ongoing management of the Motor Insurance Database will become a key tool in the crusade against the crime of uninsured driving.
What information is required?
As a condition of your fleet policy, you must supply the following ‘Mandatory’ and “Preferred” vehicle details for all vehicles to be covered under your policy with us:
- Vehicle on date (Date vehicle added to this policy)
- Vehicle Registration Number (VRN)
- Vehicle Type (Car Commercial vehicle Minibus or Special Type)
- Make and Model
- Cubic capacity (CC) for cars, Gross Vehicle Weight (GVW) for Commercial vehicles
- Vehicle off date (Date vehicle deleted from this policy)
Submission of these data items will greatly enhance the effectiveness of the MID and will be particularly beneficial to the Police. It will also mean that we don’t need to request this additional detail from you come the policy declaration stage.
How often should the vehicle information be updated?
Details of any vehicle amendments should be submitted immediately, or before, the change is effective (subject to the provisions detailed in the ‘How to’ section on this page). Failure to do this could result in vehicles appearing to be uninsured and leading to police stopping vehicles or DVLA and other appropriate authorities contacting the insured. Additionally if the vehicle is not removed from cover it could appear insured leading to extra administration if there is an accident involving that vehicle or may be hiding the fact that the vehicle is uninsured.
What do we do about Temporary Additional Vehicles?
If the vehicle registration number is show on your certificates then all temporary vehicles will require a certificate of motor insurance to be issued and must be entered onto the MID. For polices where the vehicle registration number is not shown on the certificate the regulations do not require the vehicle to be entered on the MID is the continuous period on cover is less than 15 days. However the insured is required to keep records of all such vehicles including the dates on cover, the vehicle registration number and the insurance policy number for a period of at least 7 years. On this basis we would recommend that all temporary vehicles are added to the MID which will then meet the insured’s obligation and assist in the administration of the policy.